| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $42K | $0 | $42K | 10.86% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 4.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| BST COMPANIES INC3 | 425 S FREMONT AVENUE TUCSON, AZ 85719 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $542 | $3 | $545 | 3.21% |
| JB & H LLC3 | 8707 E SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $284 | $9 | $293 | 1.72% |
| R AND T FIGUEROA LLC3 | 7569 S CARLISLE AVENUE TUCSON, AZ 85746 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $290 | — | $290 | 1.71% |
| MJ INSURANCE3 Filed as: EC BENEFITS INC & VARIOUS OTHERS | 8038 S 38TH PLACE PHOENIX, AZ 85042 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $167 | $24 | $191 | 1.12% |
| LORENZA TORRES3 | 9636 E PASEO SAN BERNARDO DRIVE TUCSON, AZ 85747 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $172 | $4 | $176 | 1.04% |
| MARQUEZ BENEFIT GROUP LLC3 | 8601 N BLACK CANYON HIGHWAY PHOENIX, AZ 85201 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $63 | $35 | $98 | 0.58% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 708 | $383K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 708 | $400K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 708 | $383K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 708 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.